Cheapest Car Insurance Quotes in Midland City

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Midland City Car Insurance

^$ 20

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Midland City

The car insurance rate in Midland City is $842 for a six-month policy, which is $94 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Midland City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Midland City

$842

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Midland City

1st place: AutoOwners Insurance Co

At $455 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in Midland City.

Midland City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midland City, AL is AutoOwners Insurance Co, offering policies at just $455 for a six-month term. This is followed by State Farm, which has an average six-month premium of $593.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1802 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midland City drivers find the best deals.

Cheap Car Insurance Companies in Midland City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$76
State Farm	$593	$100
Travelers	$642	$108
Country Financial	$658	$111
Cincinnati	$679	$114
USAA	$700	$118
Auto-Owners	$749	$126
Nationwide	$946	$161
Allstate	$962	$162
Progressive	$1085	$183
Farmers	$1802	$301

Key Takeaways

Way's key takeaways about car insurance in Midland City

The auto insurance costs in Midland City fall around $455 for six months.
The cheapest auto insurance company in Midland City is Cincinnati.
Teen drivers pay the highest rate in Midland City at $1052 per month.

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Cheapest Minimum Liability Car Insurance in Midland City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Midland City are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Midland City. Their Average 6 Month Premium is $118. Farmers is the most expensive at $684 for the same period.

Cheapest Liability Coverage in Midland City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$118	$20
Mercury	$129	$22
Country Financial	$198	$33
Auto-Owners Insurance Co	$203	$34
USAA	$203	$34
State Farm	$209	$35
Travelers	$224	$38
Auto-Owners	$257	$43
Progressive	$364	$61
Nationwide	$385	$64
Allstate	$422	$71
Farmers	$684	$114

Cheapest Full Coverage Car Insurance in Midland City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Midland City is AutoOwners Insurance Co at $76 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midland City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$76
State Farm	$593	$100
Travelers	$642	$108
Country Financial	$658	$111
Cincinnati	$679	$114
USAA	$700	$118
Auto-Owners	$749	$126
Nationwide	$946	$161
Allstate	$962	$162
Progressive	$1085	$183
Farmers	$1802	$301

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Average Car Insurance in Midland City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Midland City, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Midland City, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Midland City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Midland City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Midland City,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Midland City at $22 per month. At $6250 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$129	$22
Country Financial	$203	$34
Travelers	$1256	$212
USAA	$1524	$257
State Farm	$1588	$267
Auto-Owners	$2422	$412
Allstate	$3128	$527
Nationwide	$3806	$647
Progressive	$5480	$923
Farmers	$6250	$1052

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Midland City, Cincinnati is the cheapest car insurance provider. At $166 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Midland City is Farmers, offering rates of around $2913 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$166	$28
Country Financial	$284	$49
Nationwide	$385	$64
Travelers	$807	$136
USAA	$968	$161
Progressive	$1155	$194
Allstate	$1828	$305
State Farm	$2101	$357
Auto-Owners	$2320	$387
Farmers	$2913	$495

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Car Insurance Rates with An Accident in Midland City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Midland City, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Midland City

The cheapest car insurance companies after an at-fault accident in Midland City include Cincinnati and AutoOwners Insurance Co, offering $182 and $284, respectively. Farmers is an expensive provider with an average six-month premium of $2497.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Auto-Owners Insurance Co	$284	$49
Country Financial	$284	$48
Safeway	$353	$59
Travelers	$513	$86
State Farm	$572	$96
USAA	$711	$120
Auto-Owners	$759	$128
Allstate	$1203	$203
Progressive	$1748	$294
Nationwide	$1791	$299
Farmers	$2497	$425

Midland City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midland City AL. For example, the car insurance in Midland City after a DUI increases to $727 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Midland City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$146
One Med/PIP claim	$877	$149
One comp claim	$904	$150
Two Med/PIP claims	$904	$154
Not-at-fault accident	$909	$151
Two comp claims	$951	$162
Driving without lights	$1042	$174
Failure to wear a seat belt	$1053	$179
Failure to show documents	$1058	$176
Child safety restraint	$1064	$181
Cell phone violation	$1080	$180
Driving with expired registration	$1080	$184
Driving too slowly	$1085	$181
Speeding 6 - 10 MPH over limit	$1085	$185
Speeding in school zone	$1085	$181
Texting while driving	$1085	$185
Speeding 11 - 15 MPH over limit	$1096	$183
Wrong way/wrong lane	$1096	$186
Failure to yield	$1102	$184
Following too closely	$1102	$187
Illegal turn	$1102	$184
Speeding 16 - 20 MPH over limit	$1102	$187
Failure to stop at a red light	$1107	$185
Improper passing	$1107	$188
Passing school bus	$1144	$191
Speeding 21 - 25 MPH over limit	$1149	$195
At-fault accident - less than $1000	$1160	$194
In 65 MPH zone	$1176	$200
At-fault accident - $1000-$2000	$1267	$212
Operating a vehicle without permission	$1293	$220
At-fault accident - greater than $2000	$1304	$218
Open container	$1331	$226
Reckless driving	$1475	$246
Driving with a suspended license	$1540	$262
Racing	$1561	$260
Refusal to submit to a chemical test	$1571	$267
DUI	$1604	$267
Leaving scene of an accident/hit and run	$1668	$284

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Midland City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Midland City.

The cheapest car insurance premiums in Midland City are offered by Cincinnati at $246 for a six-month policy. However, it can be as expensive as $2400 with companies like Farmers.

Midland City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$246	$41
Country Financial	$331	$56
Travelers	$631	$106
State Farm	$946	$159
USAA	$1058	$178
Allstate	$1117	$188
Progressive	$1122	$189
Auto-Owners	$1422	$239
Nationwide	$2390	$399
Farmers	$2400	$408

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Midland City are offered by Cincinnati at $123. However, it can be as expensive as $2304 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midland City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$123	$21
Country Financial	$176	$30
Auto-Owners Insurance Co	$235	$40
State Farm	$396	$67
Travelers	$609	$103
USAA	$647	$110
Auto-Owners	$786	$131
Allstate	$1182	$201
Progressive	$1636	$273
Farmers	$2304	$392

Car Insurance Price Trends in Midland City, Alabama

Car insurance rates in Midland City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Midland City rose by $178 in December compared to $176 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Midland City rose to $45 in December, compared to $44 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Midland City?

The car insurance in Midland City is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Midland City?

The cheapest car insurance in Midland City is $76 per month for full coverage.

How much is car insurance in Midland City for teenagers?

Car insurance for teenagers costs $129 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Midland City?

The average cost of car insurance is $936 for a six-month policy. It will cost around $141 per month to insure your car in Midland City.

Is car insurance expensive in Midland City?

Car insurance can be expensive in Midland City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Midland City can be affordable.

Cheapest Car Insurance Quotes in Midland City

Why you can trust Way?

How Much Is Car Insurance in Midland City

Avg. Car Insurance in Midland City

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Midland City

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Midland City Car Insurance Rates by Company

Cheap Car Insurance Companies in Midland City, AL

Way's key takeaways about car insurance in Midland City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midland City

Cheapest Liability Coverage in Midland City, AL

Cheapest Full Coverage Car Insurance in Midland City

Cheapest Full Coverage Car Insurance Quotes in Midland City, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midland City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Midland City, AL increasing?

Car Insurance Premiums by Age in Midland City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midland City,AL

If you are in your twenties N/A is the best choice for car insurance in Midland City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Midland City

Cheapest Car Insurance Companies after an At-Fault Accident in Midland City

Midland City Car Insurance Rates by Violation

Midland City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midland City after a DUI

Midland City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midland City after Speeding ticket

Car Insurance Price Trends in Midland City, Alabama

Average Car Insurance Cost in Midland City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midland City, AL

Car Insurance Rates by State in the USA (2025 Update)

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